Faith Ressigeac

08/04/2026

"Should we wait for rates to come down?" It's the question I hear most,
and it's a fair one.

Here's what the forecasters actually expect: Fannie Mae and the Mortgage
Bankers Association both see rates holding in the mid-6% range through the
end of 2026, and meaningful drops aren't in most forecasts until 2027.

The upside of today's quieter market? Buyers have room to negotiate — on
price, repairs, and closing costs. That's leverage that tends to disappear
when competition returns.

If you're weighing your timing, I'm glad to share what I'm seeing here in
Southern Oregon.

Mortgage interest rates have been high, but will that trend continue into the fall? Here's what some experts think.

08/03/2026

A quick bit of homebuyer math I share with my clients:

On a $450,000 loan, the difference between a 6.75% rate and a 7.25% rate
is about $150 a month — over $54,000 across the life of a 30-year loan.

With the Fed's next rate decision coming September 16 and hikes on the
table, that gap is why getting pre-approved early matters. It costs
nothing, and it means you can move comfortably when the right house shows
up.

Want a lender recommendation, or a sense of what payments look like in
your price range? Just reach out — happy to help. 🏡

Bankrate senior industry analyst Ted Rossman shares his take on what will happen to mortgage rates in the coming year.

08/02/2026

…Which is why pricing right at the start is worth more than any price reduction later.

That's also why the calendar matters right now. The Fed meets again on September 16, and rates aren't forecast to come down meaningfully until 2027. At this price point, a thinner buyer pool doesn't usually mean a lower asking price — it means a longer wait, and the numbers above show what a longer wait tends to cost.

If you're considering listing this fall, I'd love to walk you through what your home looks like against the recent comparables — no obligation, no pressure. Call or Text me at: 541-899-9013

08/02/2026

08/02/2026

A little market news worth knowing if buying a home is on your mind this
year:

The Fed held interest rates steady last week, but three of its members
voted to raise them — and most analysts now expect rates to rise as soon
as the next meeting on September 16.

Mortgage rates are averaging about 6.75% right now. No one can promise
where they go next, but the experts aren't expecting them to drop anytime
soon.

If you've been waiting for the "right time," it may be worth a
conversation before fall. I'm always happy to talk through what this means
for your budget.

Despite increasing support for a rate increase, the Federal Open Market Committee voted 9-3 to leave the federal funds rate in a range between 3.5% and 3.75%.

07/15/2026

07/14/2026

Negotiations are back. More buyers are asking for better deals, and more sellers are giving them. Builders are throwing in extras, too.

07/12/2026

If the first half of this year has left you feeling stuck, you're not the only one.